In-store shopping - Payment issue
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If you have problems during the payment process and they cannot be resolved at the time the issue arises, it is a good idea to contact your bank or card provider and ask them to investigate on your behalf. This includes your debit/credit card being declined or overcharged.
If your credit card statement contains incorrect charges or charges for products and services you did not receive, then you should dispute these charges. Both Visa and MasterCard offer a zero-liability policy: you will not be liable if your card or card number is used without your authorisation, as long as you have complied with the Cardholder Agreement.You should know
- You should generally expect a response within a week.
- If you don't get a response within this timeframe, follow up with another message!
- If you can't find a resolution with a retailer, they should give you the details of a certified Alternative Dispute Resolution provider (if the retailer has signed up to one).
- You have six years to take a claim for faulty goods to court. Be aware that after 6 months it becomes your responsibility to prove who is at fault.
Alternative Dispute Resolution (ADR) and ombudsman services
Alternative Dispute Resolution (ADR) providers are available to all businesses. They help when a dispute cannot be settled directly with the consumer.
These systems offer a quicker, cheaper way of resolving disputes than the courts.
If you can't resolve a matter directly with a business, they should give you an ADR providers details. They should let you know if they're willing to use the ADR for your issue.
Businesses don't have to use ADR unless they operate in a sector where the law says they have to.
The main ADRs for the retail sector are:
- Alternative Dispute Resolution Scheme for Retail (RetailADR)
- and the Furniture Ombudsman
The Consumer Rights Act 2015
The Consumer Rights Act sets out rules for:
- What should happen when something’s faulty
- What should happen when services aren’t as described
- What should happen if you sign up to an unfair contract.
Generally speaking, it gives you quite a wide range of protection whenever you buy goods or services.
Section 75 of the Consumer Credit Act
If you buy goods or services on your credit card, you may be protected under Section 75 if something goes wrong. Section 75 applies to goods bought on a credit card with a total value of between £100 and £30,000. If something goes wrong with your purchase, your credit provider is “jointly and severally liable” for any breach of contract or misrepresentation by the seller.
This is especially useful in situations where the seller has gone bust! In these cases, you can approach your credit card company and let them know you’re making a claim under Section 75 of the Consumer Credit Act.
Many goods come with a warranty. If something goes wrong with your purchase, you can consider making a claim on the warranty. If successful, your purchase will be repaired or replaced free of charge.
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